The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$83,939
−HK$5,263/mo
▼ 0.25% · 3.875%
HK$86,550
−HK$2,652/mo
Today · 4.125%
HK$89,202
baseline
▲ 0.50% · 4.625%
HK$94,630
+HK$5,428/mo
Deposit HK$18.41M · loan HK$18.41M · min. income ≈ HK$178,404/mo (50% DSR)
Upfront cash ≈ HK$19.97M (deposit + AVD stamp duty HK$1,564,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,381
−HK$5,045/mo
▼ 0.25% · 3.875%
HK$95,885
−HK$2,541/mo
Today · 4.125%
HK$98,426
baseline
▲ 0.50% · 4.625%
HK$103,614
+HK$5,188/mo
Deposit HK$18.41M · loan HK$18.41M · min. income ≈ HK$196,852/mo (50% DSR)
Upfront cash ≈ HK$19.97M (deposit + AVD stamp duty HK$1,564,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,726
−HK$6,317/mo
▼ 0.25% · 3.875%
HK$103,859
−HK$3,184/mo
Today · 4.125%
HK$107,043
baseline
▲ 0.50% · 4.625%
HK$113,556
+HK$6,513/mo
Deposit HK$14.72M · loan HK$22.09M · min. income ≈ HK$214,086/mo (50% DSR)
Upfront cash ≈ HK$16.29M (deposit + AVD stamp duty HK$1,564,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,057
−HK$6,054/mo
▼ 0.25% · 3.875%
HK$115,062
−HK$3,049/mo
Today · 4.125%
HK$118,111
baseline
▲ 0.50% · 4.625%
HK$124,337
+HK$6,226/mo
Deposit HK$14.72M · loan HK$22.09M · min. income ≈ HK$236,222/mo (50% DSR)
Upfront cash ≈ HK$16.29M (deposit + AVD stamp duty HK$1,564,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,514
−HK$7,369/mo
▼ 0.25% · 3.875%
HK$121,169
−HK$3,714/mo
Today · 4.125%
HK$124,883
baseline
▲ 0.50% · 4.625%
HK$132,482
+HK$7,599/mo
Deposit HK$11.04M · loan HK$25.77M · min. income ≈ HK$249,766/mo (50% DSR)
Upfront cash ≈ HK$12.61M (deposit + AVD stamp duty HK$1,564,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,733
−HK$7,063/mo
▼ 0.25% · 3.875%
HK$134,239
−HK$3,557/mo
Today · 4.125%
HK$137,796
baseline
▲ 0.50% · 4.625%
HK$145,060
+HK$7,264/mo
Deposit HK$11.04M · loan HK$25.77M · min. income ≈ HK$275,592/mo (50% DSR)
Upfront cash ≈ HK$12.61M (deposit + AVD stamp duty HK$1,564,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,089
−HK$9,475/mo
▼ 0.25% · 3.875%
HK$155,789
−HK$4,775/mo
Today · 4.125%
HK$160,564
baseline
▲ 0.50% · 4.625%
HK$170,334
+HK$9,770/mo
Deposit HK$3.68M · loan HK$33.13M · min. income ≈ HK$321,128/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$1,564,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,085
−HK$9,082/mo
▼ 0.25% · 3.875%
HK$172,593
−HK$4,574/mo
Today · 4.125%
HK$177,167
baseline
▲ 0.50% · 4.625%
HK$186,505
+HK$9,338/mo
Deposit HK$3.68M · loan HK$33.13M · min. income ≈ HK$354,334/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$1,564,468 · Scale 2, in force from 26 Feb 2026)